Median Earnings (1yr)
$20,720
81st percentile (60th in MA)
Median Debt
$10,667
8% above national median
Debt-to-Earnings
0.51
Manageable
Sample Size
250
Adequate data

Analysis

COLLECTIV Academy-Worcester punches above its weight in Massachusetts cosmetology training. While its first-year earnings of $20,720 trail the state's top performer by about $5,500, graduates land solidly above the state median and rank in the 81st percentile nationally—meaning they out-earn graduates from roughly four out of five cosmetology programs across the country. The $10,667 in debt is manageable given the income trajectory, though it runs slightly higher than Massachusetts's median of $8,740.

What makes this program particularly noteworthy is the earnings growth: graduates see a 30% income increase by year four, reaching $26,886. That's unusual in cosmetology, where earnings often plateau early. This suggests COLLECTIV's training translates into skills that command higher pay as graduates build their client base and expertise. The school serves a substantial population of Pell grant recipients (47%), making this upward mobility especially meaningful.

For families weighing trade school options in Massachusetts, COLLECTIV offers a reasonable path. Your child won't graduate with the highest immediate earning potential in the state, but they'll likely earn more than most cosmetology certificate holders nationally while carrying debt that equals just half their first-year income. If your student shows entrepreneurial drive—critical in this field—the strong four-year earnings suggest they'll have room to grow beyond entry-level salon work.

Where COLLECTIV Academy-Worcester Stands

Earnings vs. debt across all cosmetology certificate's programs nationally

COLLECTIV Academy-WorcesterOther cosmetology programs

Programs in the upper-left quadrant (high earnings, low debt) offer the best value. Programs in the lower-right quadrant warrant careful consideration.

Earnings Distribution

How COLLECTIV Academy-Worcester graduates compare to all programs nationally

COLLECTIV Academy-Worcester graduates earn $21k, placing them in the 81th percentile of all cosmetology certificate programs nationally.

Earnings Over Time

How earnings evolve from 1 year to 4 years after graduation

Earnings trajectories vary significantly. Some programs show strong early returns that plateau; others start lower but accelerate. Consider where you want to be at year 4, not just year 1.

Compare to Similar Programs in Massachusetts

Cosmetology certificate's programs at peer institutions in Massachusetts (22 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
COLLECTIV Academy-Worcester$20,720$26,886$10,6670.51
Catherine Hinds Institute of Esthetics$26,234$24,607$7,6670.29
Spa Tech Institute-Plymouth$21,124$23,325$7,1170.34
Spa Tech Institute-Westboro$21,124$23,325$7,1170.34
EINE Inc$20,496$26,067$8,8330.43
Rob Roy Academy-Fall River$18,364—$9,5000.52
National Median$17,113—$9,8620.58

Other Cosmetology Programs in Massachusetts

Compare tuition, earnings, and debt across Massachusetts schools

SchoolIn-State TuitionEarnings (1yr)Debt
Catherine Hinds Institute of Esthetics
Woburn
—$26,234$7,667
Spa Tech Institute-Plymouth
Plymouth
—$21,124$7,117
Spa Tech Institute-Westboro
Westborough
—$21,124$7,117
EINE Inc
Tewksbury
—$20,496$8,833
Rob Roy Academy-Fall River
Fall River
—$18,364$9,500

About This Data

Source: U.S. Department of Education College Scorecard (October 2025 release)

Population: Graduates who received federal financial aid (Title IV grants or loans). At COLLECTIV Academy-Worcester, approximately 47% of students receive Pell grants. Students who did not receive federal aid are not included in these figures.

Earnings: Median earnings from IRS W-2 data for graduates who are employed and not enrolled in further education, measured 1 year after completion. Earnings are pre-tax and include wages, salaries, and self-employment income.

Debt: Median cumulative federal loan debt at graduation. Does not include private loans or Parent PLUS loans borrowed on behalf of students.

Sample Size: Based on 250 graduates with reported earnings and 286 graduates with debt data. Small samples may not be representative.